HMDA Dataset Info¶
<class 'pandas.core.frame.DataFrame'> Index: 3533892 entries, 0 to 4456613 Data columns (total 19 columns): # Column Dtype --- ------ ----- 0 race object 1 sex object 2 co_applicant object 3 age object 4 income float64 5 loan_amount int64 6 property_value_ratio float64 7 mortgage_term object 8 debt_to_income_ratio object 9 combined_loan_to_value_ratio float64 10 tract_to_metro_income_percentage object 11 white_population_pct float64 12 metro_name object 13 metro_code object 14 metro_size_percentile object 15 state_code object 16 county_code object 17 census_tract object 18 loan_outcome object dtypes: float64(4), int64(1), object(14) memory usage: 539.2+ MB None
| race | sex | co_applicant | age | income | loan_amount | property_value_ratio | mortgage_term | credit_model | debt_to_income_ratio | combined_loan_to_value_ratio | main_underwriter | tract_to_metro_income_percentage | lender_type | lender_size | white_population_pct | metro_name | metro_code | metro_size_percentile | state_code | county_code | census_tract | loan_outcome | lender_id | fips | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 4426539 | White | Female | No co-applicant | Less than 25 | 53.0 | 175000 | 1.310 | 30 year mortgage | Equifax | Unmanageable (43-49%) | 99.910 | Technology Open to Approved Lenders | Middle (80-120%) | Banks | 109832 | 79.233776 | Owensboro, KY | 36980 | 10th percentile | 21 | 059 | 21059001701 | Loan originated (approved) | QFROUN1UWUYU0DVIWD51 | 21059 |
| 304219 | Asian | Male | Co-applicant | 55 through 64 | 166.0 | 435000 | 3.085 | Less than 30 years | Equifax | Manageable (36-42%) | 55.794 | Desktop Underwriter | Middle (80-120%) | Independent Mortgage Companies | 22169 | 74.334303 | Camden, NJ | 15804 | 80th percentile | 34 | 005 | 34005700800 | Loan originated (approved) | 549300KBWX4NV5Q1E376 | 34005 |
| 2484276 | White | Male | Co-applicant | 35 through 44 | 124.0 | 65000 | 2.248 | 30 year mortgage | More than one | Healthy (<36%) | 12.264 | Desktop Underwriter | Upper (>120%) | Independent Mortgage Companies | 4626 | 85.838533 | Charlotte-Concord-Gastonia, NC-SC | 16740 | 90th percentile | 37 | 119 | 37119005833 | Loan originated (approved) | 549300E8HNQO52YYHI82 | 37119 |
Mortgage outcomes in HMDA data¶
Applicant Characteristics¶
co_applicant No co-applicant 1966616 Co-applicant 1558662 NA 8614 Name: count, dtype: int64
What leads to loan denials?¶
Are disparities focused in any geographic areas?¶
Denial rates in the Chicago metropolitan area:¶
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